This might be true for credit cards but for the vast majority of people, even completely irrespective of income, getting your checking account number leaked to a nefarious party can absolutely cause you a hell of a lot of trouble.
Credit cards will give you the benefit of the doubt with a credit while they investigate. Banks (and credit unions) are going to be VERY hesitant to give you a 5-figure advance into a new checking out while they investigate how your account got drained when it initially looks like you did it. Even the most pro-customer policies practicable won't help when now all your automatic payments start failing. It's certainly a recipe for ruining your week and you'll likely spend the next month or two dealing with the fallout, and that's assuming you don't face crippling financial penalties because of it, which the majority of Americans would.
Credit cards will give you the benefit of the doubt with a credit while they investigate. Banks (and credit unions) are going to be VERY hesitant to give you a 5-figure advance into a new checking out while they investigate how your account got drained when it initially looks like you did it. Even the most pro-customer policies practicable won't help when now all your automatic payments start failing. It's certainly a recipe for ruining your week and you'll likely spend the next month or two dealing with the fallout, and that's assuming you don't face crippling financial penalties because of it, which the majority of Americans would.